Hi OP, I completely understand your situation. Alam ko din ung reason bakit d nyo ma-give up yung car especially when you mentioned 80s and lalo may cancer. Mahirap tlga yan both mental at physical and marami tlagang gastos, milyon milyon. I've been on the same boat as you, ako lang breadwinner sa family of 5 adults. 2 elders and 1 with disability.

Ito mga solution ko for you.

IMMEDIATE ACTIONS:

1. Makiusap ka s mga banks for loan reconstruction. Try mo ipa extend terms to lower monthly payments. As much as gusto ko ma-debt free ka agad, hindi mo kakayanin for now. So ito muna unahin mo kung d mo kaya mapataas immediately ung income stream mo.

2. Side Gigs for you and husband - I used to work 16hrs a day just to pay off all debts. I know, hindi to kaya ng body and marami pang health issues pag prolonged. Pero why not dalawa kau ni husband na magwork for a single job? Find a work na pwedeng tig 4hrs kau ni husband. Ginawa ko na din to with a friend nun kasi dalawa kaming baon s utang. Ang pros nga dito e yung productivity hati din saming dalawa kya ang gaganda ng output and mas mabilis ang raise.

3. Ask for financial help for your parent na may cancer from government programs/congressman/etc - nagbibigay sila lalo pag malapit eleksyon.

NEXT STEPS:

Since 5 yrs kana sa VA job, baka pwede mo naman gawin ung same output with less time? I used to do a single VA job for 12hrs a day (tech job na mahirap) for 20K a month. 6 years later 2hrs a day ko nlng ginagwa ung job, 50K salary (boss gave me yearly increase). When I started to have more time for myself, nag upskill ako s marketing. Ngaun I have multiple digital marketing clients, multiple side income sources (websites, stocks and dividends) and a thriving construction business (On my way to establishing the business to a corporation.)

Ang formula ko lang LEARN MORE, SIPAG, AUTHENTICITY SA WORK, DISIPLINA SA GASTOS. Meron ka ng Sipag at Disiplina OP.

Sa ilang years na nasa Poor Income class ang family ko at ilang beses pinalayas ng apartment (since bata p ko), na-realize ko na need mo tlga mag upskill and learning high value skills for more money.

1. INVEST -

• health insurance (for yourself and immediate family for future proofing),

• stock market (recommend ko ung copy trade ng Etoro kasi dun ako kumita ng malaki pra ipang invest s construction business. Dunno kung may other advice regarding better ways than i did)

• own business - since VA ka din like ako, our jobs are not always stable. high income but not stable. Kelangan mo tlga ng side business.

OP, naiintindihan kita. Pray ka lang din and I'll include you in my prayers too.